System for network resource recycling

ABSTRACT

Embodiments of the invention are directed to a system, method, or computer program product for a safe resource recycler system and network. The system provides a network and platform for authorized entities for provisional resource deployment and manipulation. In this way, the system may provide safe resource ingestion outside deposit window times. Upon ingestion, the system provides an authorized entity an application tool for internal management and manipulation of provisional resources.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. Provisional PatentApplication Ser. No. 62/751,138, filed Oct. 26, 2018 entitled “Systemfor Resource Visibility,” the entirety of which is incorporated hereinby reference.

BACKGROUND

Present conventional systems do not have the capability to allow a userto track resource distribution and deposits from conception throughsupply chain. Currently, manual sorting of resources is performed andportions of the resource supply chain are not visible. As such, thereexists a need for a system to perform tagging and tracking of resourcedistribution and resource exchange through the supply chain.

BRIEF SUMMARY

The following presents a simplified summary of one or more embodimentsof the invention in order to provide a basic understanding of suchembodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments, nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments in a simplified form as a prelude to the more detaileddescription that is presented later.

Embodiments of the present invention address these and/or other needs byproviding an innovative system, method and computer program product forsafe resource recycler systems.

In some embodiments, a safe resource recycler system may furthercomprise an entity provided provisional credit of resources foraffiliate entities. In this way, the system may provide a safe resourcefor an entity that may have cash from a large deposit, purchase, or thelike and not be able to distribute the cash to the financialinstitution. In this way, the system may confirm the cash and providethe entity with a tool to give credit to the entity for the cash theyhave, but have not deposited. The system thus allows the entity tomanage internal cash before the funds are in control of the financialinstitution.

In some embodiments, the invention provides a system, method, andcomputer program product for a resource recycling network, the inventioncomprising: authorizing an entity for access to the resource recyclingnetwork, wherein upon authorization an application tool is deployed onan entity server for the entity access to the resource recyclingnetwork; identifying a physical resource influx occurrence and theentity; triggering, based in the influx, initiation of the applicationtool at the entity server; receiving characterization data about thephysical resource influx including an amount of influx andidentification of no deposit window available for the influx;transmitting, via the resource recycling network, a provisional resourceaccess for immediate entity manipulation; allowing, via the applicationtool, manipulation of the provisional resource access; and reconciling,upon deposition, the physical resource influx with the provisionalresource access.

In some embodiments, identifying the physical resource influx occurrenceand the entity further comprises identifying the physical resourceinflux at a time when no deposit window is available for the entity.

In some embodiments, authorizing the entity for access to the resourcerecycling network further comprises accessing and integration of theapplication tool into point-of-transaction devices associated with theentity. In some embodiments, authorizing the entity for access to theresource recycling network further comprises accessing financialinstitution accounts associated with the entity for deployment ofprovisional resource.

In some embodiments, identifying the physical resource influx occurrenceand the entity further comprises identifying a level of cash above athreshold at a location associated with the entity, wherein the cash isreceived from a transaction.

In some embodiments, allowing, via the application tool, manipulation ofthe provisional resource access further comprises allowing the entity tomanipulate the provisional resource access within an account as if theprovisional resource access was the physical resource influx.

In some embodiments, the provisional resource access comprises a creditplaced in an account of the entity for an amount of the physicalresource influx before the physical resource influx is deposited withinthe account.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, wherein:

FIG. 1 provides a network resource recycling system environment, inaccordance with one embodiment of the present invention;

FIG. 2 provides a high level process map illustrating safe resourcerecycling, in accordance with one embodiment of the present invention;

FIG. 3 provides a detailed process flow illustrating safe resourcerecycling communication, in accordance with one embodiment of thepresent invention;

FIG. 4 provides a process map illustrating a lifecycle for safe resourcerecycling, in accordance with one embodiment of the present invention;and

FIG. 5 provides a process map illustrating standard resource depositinglifecycle with deposit window availability, in accordance with oneembodiment of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

A “user” as used herein may refer to any customer of an entity orindividual that interacts with an entity. In some embodiments, the usermay be an entity. In some embodiments, identities of an individual mayinclude online handles, usernames, aliases, family names, maiden names,nicknames, or the like. The user may interact with a financialinstitution as either a customer, supplier, entity or the like.Furthermore, as used herein the term “user device” or “mobile device”may refer to mobile phones, personal computing devices, tabletcomputers, wearable devices, and/or any portable electronic devicecapable of receiving and/or storing data therein.

As used herein, a “user interface” generally includes a plurality ofinterface devices and/or software that allow a customer to inputcommands and data to direct the processing device to executeinstructions. For example, the user interface may include a graphicaluser interface (GUI) or an interface to input computer-executableinstructions that direct the processing device to carry out specificfunctions. Input and output devices may include a display, mouse,keyboard, button, touchpad, touch screen, microphone, speaker, LED,light, joystick, switch, buzzer, bell, and/or other user input/outputdevice for communicating with one or more users.

A “transaction” or “resource distribution” refers to any communicationbetween a user and the financial institution or other entity to transferfunds for the purchasing or selling of a product. A transaction mayrefer to a purchase of goods or services, a return of goods or services,a payment transaction, a credit transaction, or other interactioninvolving a user's account. In the context of a financial institution, atransaction may refer to one or more of: a sale of goods and/orservices, initiating an automated teller machine (ATM) or online bankingsession, an account balance inquiry, a rewards transfer, an accountmoney transfer or withdrawal, opening a bank application on a user'scomputer or mobile device, a user accessing their e-wallet, or any otherinteraction involving the user and/or the user's device that isdetectable by the financial institution. A transaction may include oneor more of the following: renting, selling, and/or leasing goods and/orservices (e.g., groceries, stamps, tickets, DVDs, vending machine items,and the like); making payments to creditors (e.g., paying monthly bills;paying federal, state, and/or local taxes; and the like); sendingremittances; loading money onto stored value cards (SVCs) and/or prepaidcards; donating to charities; and/or the like.

In various embodiments, the point-of-transaction device (POT) may be orinclude a merchant machine and/or server and/or may be or include themobile device of the user may function as a point of transaction device.The embodiments described herein may refer to the use of a transaction,transaction event or point of transaction event to trigger the steps,functions, routines etc. described herein. In various embodiments,occurrence of a transaction triggers the sending of information such asalerts and the like. As used herein, a “bank account” refers to a creditaccount, a debit/deposit account, or the like. Although the phrase “bankaccount” includes the term “bank,” the account need not be maintained bya bank and may, instead, be maintained by other financial institutions.For example, in the context of a financial institution, a transactionmay refer to one or more of a sale of goods and/or services, an accountbalance inquiry, a rewards transfer, an account money transfer, openinga bank application on a user's computer or mobile device, a useraccessing their e-wallet or any other interaction involving the userand/or the user's device that is detectable by the financialinstitution. As further examples, a transaction may occur when an entityassociated with the user is alerted via the transaction of the user'slocation. A transaction may occur when a user accesses a building, usesa rewards card, and/or performs an account balance query. A transactionmay occur as a user's mobile device establishes a wireless connection,such as a Wi-Fi connection, with a point-of-sale terminal. In someembodiments, a transaction may include one or more of the following:purchasing, renting, selling, and/or leasing goods and/or services(e.g., groceries, stamps, tickets, DVDs, vending machine items, etc.);withdrawing cash; making payments to creditors (e.g., paying monthlybills; paying federal, state, and/or local taxes and/or bills; etc.);sending remittances; transferring balances from one account to anotheraccount; loading money onto stored value cards (SVCs) and/or prepaidcards; donating to charities; and/or the like.

In some embodiments, the transaction may refer to an event and/or actionor group of actions facilitated or performed by a user's device, such asa user's mobile device. Such a device may be referred to herein as a“point-of-transaction device”. A “point-of-transaction” could refer toany location, virtual location or otherwise proximate occurrence of atransaction. A “point-of-transaction device” may refer to any deviceused to perform a transaction, either from the user's perspective, themerchant's perspective or both. In some embodiments, thepoint-of-transaction device refers only to a user's device, in otherembodiments it refers only to a merchant device, and in yet otherembodiments, it refers to both a user device and a merchant deviceinteracting to perform a transaction. For example, in one embodiment,the point-of-transaction device refers to the user's mobile deviceconfigured to communicate with a merchant's point of sale terminal,whereas in other embodiments, the point-of-transaction device refers tothe merchant's point of sale terminal configured to communicate with auser's mobile device, and in yet other embodiments, thepoint-of-transaction device refers to both the user's mobile device andthe merchant's point of sale terminal configured to communicate witheach other to carry out a transaction.

In some embodiments, a point-of-transaction device is or includes aninteractive computer terminal that is configured to initiate, perform,complete, and/or facilitate one or more transactions. Apoint-of-transaction device could be or include any device that a usermay use to perform a transaction with an entity, such as, but notlimited to, an ATM, a loyalty device such as a rewards card, loyaltycard or other loyalty device, a magnetic-based payment device (e.g., acredit card, debit card, etc.), a personal identification number (PIN)payment device, a contactless payment device (e.g., a key fob), a radiofrequency identification device (RFID) and the like, a computer, (e.g.,a personal computer, tablet computer, desktop computer, server, laptop,etc.), a mobile device (e.g., a smartphone, cellular phone, personaldigital assistant (PDA) device, MP3 device, personal GPS device, etc.),a merchant terminal, a self-service machine (e.g., vending machine,self-checkout machine, etc.), a public and/or business kiosk (e.g., anInternet kiosk, ticketing kiosk, bill pay kiosk, etc.), a gaming device,and/or various combinations of the foregoing.

In some embodiments, a point-of-transaction device is operated in apublic place (e.g., on a street corner, at the doorstep of a privateresidence, in an open market, at a public rest stop, etc.). In otherembodiments, the point-of-transaction device is additionally oralternatively operated in a place of business (e.g., in a retail store,post office, banking center, grocery store, factory floor, etc.). Inaccordance with some embodiments, the point-of-transaction device is notowned by the user of the point-of-transaction device. Rather, in someembodiments, the point-of-transaction device is owned by a mobilebusiness operator or a point-of-transaction operator (e.g., merchant,vendor, salesperson, etc.). In yet other embodiments, thepoint-of-transaction device is owned by the financial institutionoffering the point-of-transaction device providing functionality inaccordance with embodiments of the invention described herein.

Further, the term “payment credential” or “payment vehicle,” as usedherein, may refer to any of, but is not limited to refers to any of, butis not limited to, a physical, electronic (e.g., digital), or virtualtransaction vehicle that can be used to transfer money, make a payment(for a service or good), withdraw money, redeem or use loyalty points,use or redeem coupons, gain access to physical or virtual resources, andsimilar or related transactions. For example, in some embodiments, thepayment vehicle is a bank card issued by a bank which a customer may useto perform purchase transactions. However, in other embodiments, thepayment vehicle is a virtual debit card housed in a mobile device of thecustomer, which can be used to electronically interact with an automatedteller machine (ATM) or the like to perform financial transactions.Thus, it will be understood that the payment vehicle can be embodied asan apparatus (e.g., a physical card, a mobile device, or the like), oras a virtual transaction mechanism (e.g., a digital transaction device,digital wallet, a virtual display of a transaction device, or the like).

In some embodiments, information associated with the purchasetransaction is received from a POT including a point-of-sale (POS)terminal during a transaction involving a consumer and a merchant. Forexample, a consumer checking out at a retail merchant, such as a grocer,may provide to the grocer the one or more goods or products that he ispurchasing together with a payment method, loyalty card, and possiblypersonal information, such as the name of the consumer. This informationalong with information about the merchant may be aggregated or collectedat the POS terminal and routed to the system or server of the presentinvention or otherwise a third party affiliate of an entity managing thesystem of this invention. In other embodiments when the purchasetransaction occurs over the Internet, the information associated withthe purchase transaction is collected at a server providing an interfacefor conducting the Internet transaction. In such an embodiment, theconsumer enters product, payment, and possibly personal information,such as a shipping address, into the online interface, which is thencollected by the server. The server may then aggregate the transactioninformation together with merchant information and route the transactionand merchant information to the system of the present invention. It willbe further be understood that the information associated with thepurchase transaction may be received from any channel such as anautomated teller machine (ATM), Internet, peer-to-peer network, POS,and/or the like.

Embodiments of the present invention address these and/or other needs byproviding an innovative system, method and computer program product forsafe resource recycler systems.

In some embodiments, a safe resource recycler system may furthercomprise an entity provided provisional credit of resources foraffiliate entities. In this way, the system may provide a safe resourcefor an entity that may have cash from a large deposit, purchase, or thelike and not be able to distribute the cash to the financialinstitution. In this way, the system may confirm the cash and providethe entity with a tool to give credit to the entity for the cash theyhave, but have not deposited. The system thus allows the entity tomanage internal cash before the funds are in control of the financialinstitution.

FIG. 1 illustrates a secure resource recycling system environment 200,in accordance with one embodiment of the present invention. FIG. 1provides the system environment 200 for which the distributive networksystem with specialized data feeds associated with error diagnosisdocument processing. FIG. 1 provides a unique system that includesspecialized servers and system communicably linked across a distributivenetwork of nodes required to perform the functions described herein.

As illustrated in FIG. 1, the entity server 208 is operatively coupled,via a network 201 to the user device 204, ATM 205, third party servers207, and to the resource visibility system 206. In this way, the entityserver 208 can send information to and receive information from the userdevice 204, ATM 205, third party servers 207, and the resourcevisibility system 206. FIG. 1 illustrates only one example of anembodiment of the system environment 200, and it will be appreciatedthat in other embodiments one or more of the systems, devices, orservers may be combined into a single system, device, or server, or bemade up of multiple systems, devices, or servers.

The network 201 may be a system specific distributive network receivingand distributing specific network feeds and identifying specific networkassociated triggers. The network 201 may also be a global area network(GAN), such as the Internet, a wide area network (WAN), a local areanetwork (LAN), or any other type of network or combination of networks.The network 201 may provide for wireline, wireless, or a combinationwireline and wireless communication between devices on the network 201.

In some embodiments, the user 202 is an individual or entity that hasone or more user devices 204 and is a customer of a financialinstitution exchanging or distributing resources. In some embodiments,the user 202 has a user device, such as a mobile phone, tablet,computer, or the like. FIG. 1 also illustrates a user device 204. Theuser device 204 may be, for example, a desktop personal computer,business computer, business system, business server, business network, amobile system, such as a cellular phone, smart phone, personal dataassistant (PDA), laptop, or the like. The user device 204 generallycomprises a communication device 212, a processing device 214, and amemory device 216. The processing device 214 is operatively coupled tothe communication device 212 and the memory device 216. The processingdevice 214 uses the communication device 212 to communicate with thenetwork 201 and other devices on the network 201, such as, but notlimited to the resource visibility system 206, the entity server 208,and the third party sever 207. As such, the communication device 212generally comprises a modem, server, or other device for communicatingwith other devices on the network 201.

The user device 204 comprises computer-readable instructions 220 anddata storage 218 stored in the memory device 216, which in oneembodiment includes the computer-readable instructions 220 of a userapplication 222. In some embodiments, the user application 222 allows auser 202 to send and receive communications with the resource visibilitysystem 206.

As further illustrated in FIG. 1, the resource visibility system 206generally comprises a communication device 246, a processing device 248,and a memory device 250. As used herein, the term “processing device”generally includes circuitry used for implementing the communicationand/or logic functions of the particular system. For example, aprocessing device may include a digital signal processor device, amicroprocessor device, and various analog-to-digital converters,digital-to-analog converters, and other support circuits and/orcombinations of the foregoing. Control and signal processing functionsof the system are allocated between these processing devices accordingto their respective capabilities. The processing device may includefunctionality to operate one or more software programs based oncomputer-readable instructions thereof, which may be stored in a memorydevice.

The processing device 248 is operatively coupled to the communicationdevice 246 and the memory device 250. The processing device 248 uses thecommunication device 246 to communicate with the network 201 and otherdevices on the network 201, such as, but not limited to the entityserver 208, the third party server 207, the ATM 205, and the user device204. As such, the communication device 246 generally comprises a modem,server, or other device for communicating with other devices on thenetwork 201.

As further illustrated in FIG. 1, the resource visibility system 206comprises computer-readable instructions 254 stored in the memory device250, which in one embodiment includes the computer-readable instructions254 of an application 258. In some embodiments, the memory device 250includes data storage 252 for storing data related to the systemenvironment 200, but not limited to data created and/or used by theapplication 258.

In one embodiment of the resource visibility system 206 the memorydevice 250 stores an application 258. In one embodiment of theinvention, the application 258 may associate with applications havingcomputer-executable program code. Furthermore, the resource visibilitysystem 206, using the processing device 248 codes certain communicationfunctions described herein. In one embodiment, the computer-executableprogram code of an application associated with the application 258 mayalso instruct the processing device 248 to perform certain logic, dataprocessing, and data storing functions of the application. Theprocessing device 248 is configured to use the communication device 246to communicate with and ascertain data from one or more entity server208, third party servers 207, ATM 205, and/or user device 204.

As illustrated in FIG. 1, the third party server 207 is connected to theentity server 208, user device 204, ATM 205, and resource visibilitysystem 206. The third party server 207 has the same or similarcomponents as described above with respect to the user device 204 andthe resource visibility system 206. While only one third party server207 is illustrated in FIG. 1, it is understood that multiple third partyservers 207 may make up the system environment 200. The third partyserver 207 may be associated with one or more financial institutions,entities, or the like.

As illustrated in FIG. 1, the ATM 205 is connected to the entity server208, user device 204, third party server 207, and resource visibilitysystem 206. The ATM 205 has the same or similar components as describedabove with respect to the user device 204 and the resource visibilitysystem 206. While only one ATM 205 is illustrated in FIG. 1, it isunderstood that multiple ATM 205 may make up the system environment 200.

As illustrated in FIG. 1, the entity server 208 is connected to thethird party server 207, user device 204, ATM 205, and resourcevisibility system 206. The entity server 208 may be associated with theresource visibility system 206. The entity server 208 has the same orsimilar components as described above with respect to the user device204 and the resource visibility system 206. While only one entity server208 is illustrated in FIG. 1, it is understood that multiple entityserver 208 may make up the system environment 200. It is understood thatthe servers, systems, and devices described herein illustrate oneembodiment of the invention. It is further understood that one or moreof the servers, systems, and devices can be combined in otherembodiments and still function in the same or similar way as theembodiments described herein. The entity server 208 may generallyinclude a processing device communicably coupled to devices as a memorydevice, output devices, input devices, a network interface, a powersource, one or more chips, and the like. The entity server 208 may alsoinclude a memory device operatively coupled to the processing device. Asused herein, memory may include any computer readable medium configuredto store data, code, or other information. The memory device may includevolatile memory, such as volatile Random Access Memory (RAM) including acache area for the temporary storage of data. The memory device may alsoinclude non-volatile memory, which can be embedded and/or may beremovable. The non-volatile memory may additionally or alternativelyinclude an electrically erasable programmable read-only memory (EEPROM),flash memory or the like.

The memory device may store any of a number of applications or programswhich comprise computer-executable instructions/code executed by theprocessing device to implement the functions of the entity server 208described herein. Using the system environment 200 illustrated in FIG.1, the invention comprises safe resource recycling.

FIG. 2 provides a high level process map illustrating safe resourcerecycling 100, in accordance with one embodiment of the presentinvention. As illustrated in block 102, the process 100 is initiated bygenerating a safe resource recycler network for entities. In this way,the system provides a network of entities that are approved for saferesource recycling. The entities may be interconnected via a network forresource recycling entities and directly linked to the financialinstitution providing the resource recycling. The system may pre-approvethe entities to be a part of the network. The pre-approval process mayinclude entities that are trusted customers of the financialinstitution, approved customers of the financial institution, or thelike. In some embodiments, the system, via the financial institutionhosting or providing the system, may select and offer entities to jointhe network. In other embodiments, the entities may apply to thefinancial institution hosting or providing the system to be authorizedto join the network.

In some embodiments, once an authorized entity is established, thesystem may generate a direct communicable linkage with each of theindividual authorized entities. As such, each communicable linkage maybe private, between the system and the individual entity and provide adirect portal for resource recycling, account information for theentity, and the like and any communication between the entity and afinancial institution associated with the system.

Next, as illustrated in block 104, the process 100 continues byidentifying one or more entities with resource deposits. The system mayidentify the authorized entities with resource deposits across thenetwork. The system may identify these entities by identifying one ormore large resource distributions received at the entity based onpoint-of-transaction communication networks or the like. Furthermore,the system may be notified by the entity of the resource distributionreceived at the entity. Typically, these resource distributions may belarge cash amounts received by the entity, such as from a customer for apurchase of a product or service at the entity. Furthermore, the cashmay be provided to the entity at a time or location where it isdifficult of the entity to provide the cash to the financial institutionin a timely manner. Thus, the entity may be storing a larger than normalamount of cash at a physical location associated with that entity. Theinvention provides security for that cash in the form of a recyclingnetwork that accounts for and insures the cash as if it was depositedwithin the financial institution for the authorized entities.

As illustrated in block 106, the process 100 continues by identifying nodeposit window available for the entity for a pre-determined duration oftime. In this way, there is no truck coming to the entity within a giventimeframe after the large deposit received at the entity, there is nooption for the entity to deliver the resources to a financialinstitution within the timeframe, or the like. In this way, the cashreceived for the transaction may be after hours, off hours, weekends, oroutside standard deposit routes or scheduling for the entity. As such,the entity may be maintaining a large amount of physical resources atthe entity location that the entity doesn't normally store.

As illustrated in block 108, the process 100 continues by issuing acredit to the authorized entity for the resources at the entity eventhough the resources are not yet deposited with the financialinstitution. In this way, the entity may have access to the resources atthe financial institution via a provisional credit. Furthermore, thesystem provides an insurance for the entity by depositing the cash priorto the cash leaving the entity.

As illustrated in block 110, the process 100 is finalized by allowingthe entity to manipulate the credit via an entity tool without financialinstitution control of the resources. In this way, the entity may stillhave physical possession of the cash, but the resources may beillustrated in an account associated with the entity in the form of aprovisional credit. The entity may then manipulate the provisionalcredit until the cash is provided to the account and the provisionalcredit is removed.

FIG. 3 provides a detailed process flow illustrating safe resourcerecycling communication 300, in accordance with one embodiment of thepresent invention. As illustrated in block 302, the process 300 isinitiated by providing the users within the authorized entity an entitytool for safe resource recycling. The entity tool may be provided on auser's mobile device, the entity system server, or the like. The entitytool may be an application allowing for access to the network and systemprovided herein.

As illustrated in block 304, the process 300 continues by systematicallyopening of the entity tool at the entity server upon indication ofresource deposit occurrence at the entity location. In this way, thesystem may be connected to the entity point-of-transaction device andidentify a cash transaction occurring and open the entity tool at theentity server. In this way, the resource deposit occurrence may includea larger than average cash position for the entity. This may be due to atraction occurrence with cash or the like. Upon the larger than averagecash position occurring, the system or a user associated with andauthorized by the entity may open the entity tool.

Next, as illustrated in block 306, the process 300 continues byreceiving information about the resource deposit and confirming a lackof deposit window availability at a financial institution to deposit theresource deposit. In this way, the resource deposit may include a largerthan average cash position for the entity based on a cash transaction orother physical cash received by the entity. The cash may not be able tobe delivered to a financial institution based on truck routing, afterhours, or the like. As such, the entity may be in a position to beholding larger than average cash deposits, in the form of a resourcedeposit at the entity location. The system may receive the informationabout the resource deposit, such as the amount, location, type, or thelike. Furthermore, the system may identify a lack of a financialinstitution deposit window available for that time or for the nearfuture. This may be due to an after-hours transaction, armored vehiclerouting, logistical scheduling, or the like.

As illustrated in block 308, once the system has identified the cash anda lack of a deposit window available for distribution of the cash to thefinancial institution, the system may approve and issue a provisionalcredit for the cash. In this way, the system may provide a provisionalcredit in the entity's financial institution account for the cash thatthe entity still has at its physical location. As such, the provisionalcredit may be used and manipulated by the entity as if it was resourcesdeposited within the account. Upon a deposit window opening up, the cashmay be deposited and replace the provisional credit. However, prior tothat occurrence, the system may provide the provisional credit andprovide insurance for the cash at the entity's physical location.

As illustrated in block 310, the process 300 continues by transmittingan approval of the provisional credit from the system to the financialinstitution account associated with the entity. As such, the entityaccount may illustrate a deposit of the provisional credit within theaccount, even though the cash is still associated with and at the entitylocation and has not been deposited. This then allows the entity tomanipulate the funds associated with the provisional credit without thedeposit of the cash resources, as illustrated in block 312. Once thecash is deposited, the system may replace the provisional credit withthe cash deposit and preform reconciliation of the account.

FIG. 4 provides a process map illustrating a lifecycle for safe resourcerecycling 400, in accordance with one embodiment of the presentinvention. As illustrated in block 805, the system provides aprovisional credit to the entity and verifies posting of the resourcesat the financial institution in block 804. This occurs when the entitycreates an electronic deposit, but the cash has not been provided to thetransportation. As such the entity may create the deposit, asillustrated in block 801, however the cash has not been delivered orpicked up, so the cash is not being delivered in block 802 or in avault, as illustrated in block 803. Instead, the cash may maintain atthe entity, while upon creation of the electronic deposit, the systemmay provide a provisional credit for the user based on the depositticket.

As illustrated, each of the entity, transportation, vault, and financialinstitution have direct access to the system that comprises a webportal, mobile access, and file transmission for payments and receipts,information reporting and reconciliation, and cash management ofliquidity solutions.

In some embodiments, an entity resource exchange system furthercomprises a system for financial institutions for integration and forfacilitation of direct resource exchange or purchase across one or morefinancial institutions. In this way, the system may establish anexchange program directly between financial institutions to identify,trade, and digitally settle cash between the institutions. The systemleverages the existents of settlement accounts and traditionalsettlement processing at the front-end for presenting the availableresources for identifying potential matches for resource denominationalexchange among institutions.

FIG. 5 provides a process map illustrating standard resource depositingwith deposit window availability 400, in accordance with one embodimentof the present invention. As illustrated in block 401, the process 400is initiated by creating a store deposit. The process 400 then continuesby tracking the transportation of the resources, as illustrated in block402. Next, as illustrated in block 403, the system may track theresources in the vault and finally, verify the posting of the resourcedistribution as illustrated in block 404. All of the steps of theprocess 400 are transmitted to a centralized data service including aweb portal, mobile access, and file transmission for the process.

In some embodiments, a safe resource recycler system may furthercomprise an entity provided provisional credit of resources foraffiliate entities. In this way, the system may provide a safe resourcefor an entity that may have cash from a large deposit, purchase, or thelike and not be able to distribute the cash to the financialinstitution. In this way, the system may confirm the cash and providethe entity with a tool to give credit to the entity for the cash theyhave, but have not deposited. The system thus allows the entity tomanage internal cash before the funds are in control of the financialinstitution.

As illustrated in FIG. 6, entities have the ability to enter depositsdirectly into the system and the ability to scan deposit bag numbersfrom a mobile application that interfaces with the system. In otherembodiments, the system may link to armored vehicles to provideinformation upon receipt and scan of resources to financial institutionsand along the supply chain.

In some embodiments, the system becomes the system of record for digitaldeposits, real-time deposit tracking, self-service issue resolution,administration of deposit instructions, and completes the existing userexperience to include resources and to enhance visibility of resourceflow forecast, financial institution reconciliation and reporting.

As illustrated, each of the entity, transportation, vault, and financialinstitution have direct access to the system that comprises a webportal, mobile access, and file transmission for payments and receipts,information reporting and reconciliation, and cash management ofliquidity solutions.

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as an apparatus (including, for example, asystem, a machine, a device, a computer program product, and/or thelike), as a method (including, for example, a business process, acomputer-implemented process, and/or the like), or as any combination ofthe foregoing. Accordingly, embodiments of the present invention maytake the form of an entirely software embodiment (including firmware,resident software, micro-code, and the like), an entirely hardwareembodiment, or an embodiment combining software and hardware aspectsthat may generally be referred to herein as a “system.” Furthermore,embodiments of the present invention may take the form of a computerprogram product that includes a computer-readable storage medium havingcomputer-executable program code portions stored therein. As usedherein, a processor may be “configured to” perform a certain function ina variety of ways, including, for example, by having one or morespecial-purpose circuits perform the functions by executing one or morecomputer-executable program code portions embodied in acomputer-readable medium, and/or having one or more application-specificcircuits perform the function. As such, once the software and/orhardware of the claimed invention is implemented the computer device andapplication-specific circuits associated therewith are deemedspecialized computer devices capable of improving technology associatedwith the in authorization and instant integration of a new credit cardto digital wallets.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, infrared, electromagnetic, and/orsemiconductor system, apparatus, and/or device. For example, in someembodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as apropagation signal including computer-executable program code portionsembodied therein.

It will also be understood that one or more computer-executable programcode portions for carrying out the specialized operations of the presentinvention may be required on the specialized computer includeobject-oriented, scripted, and/or unscripted programming languages, suchas, for example, Java, Perl, Smalltalk, C++, SAS, SQL, Python, ObjectiveC, and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

It will further be understood that some embodiments of the presentinvention are described herein with reference to flowchart illustrationsand/or block diagrams of systems, methods, and/or computer programproducts. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a special purpose computer for theauthorization and instant integration of credit cards to a digitalwallet, and/or some other programmable data processing apparatus inorder to produce a particular machine, such that the one or morecomputer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

It will also be understood that the one or more computer-executableprogram code portions may be stored in a transitory or non-transitorycomputer-readable medium (e.g., a memory, and the like) that can directa computer and/or other programmable data processing apparatus tofunction in a particular manner, such that the computer-executableprogram code portions stored in the computer-readable medium produce anarticle of manufacture, including instruction mechanisms which implementthe steps and/or functions specified in the flowchart(s) and/or blockdiagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with operator and/orhuman-implemented steps in order to carry out an embodiment of thepresent invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for a resource recycling network, thesystem comprising: a memory device with computer-readable program codestored thereon; a communication device; a processing device operativelycoupled to the memory device and the communication device, wherein theprocessing device is configured to execute the computer-readable programcode to: authorize an entity for access to the resource recyclingnetwork, wherein upon authorization an application tool is deployed onan entity server for the entity access to the resource recyclingnetwork; identify a physical resource influx occurrence and the entity;trigger, based in the influx, initiation of the application tool at theentity server; receive characterization data about the physical resourceinflux including an amount of influx and identification of no depositwindow available for the influx; transmit, via the resource recyclingnetwork, a provisional resource access for immediate entitymanipulation; allow, via the application tool, manipulation of theprovisional resource access; and reconcile, upon deposition, thephysical resource influx with the provisional resource access.
 2. Thesystem of claim 1, wherein identifying the physical resource influxoccurrence and the entity further comprises identifying the physicalresource influx at a time when no deposit window is available for theentity.
 3. The system of claim 1, wherein authorizing the entity foraccess to the resource recycling network further comprises accessing andintegration of the application tool into point-of-transaction devicesassociated with the entity.
 4. The system of claim 1, whereinauthorizing the entity for access to the resource recycling networkfurther comprises accessing financial institution accounts associatedwith the entity for deployment of provisional resource.
 5. The system ofclaim 1, wherein identifying the physical resource influx occurrence andthe entity further comprises identifying a level of cash above athreshold at a location associated with the entity, wherein the cash isreceived from a transaction.
 6. The system of claim 1, wherein allowing,via the application tool, manipulation of the provisional resourceaccess further comprises allowing the entity to manipulate theprovisional resource access within an account as if the provisionalresource access was the physical resource influx.
 7. The system of claim1, wherein the provisional resource access comprises a credit placed inan account of the entity for an amount of the physical resource influxbefore the physical resource influx is deposited within the account. 8.A computer program product for a resource recycling network, thecomputer program product comprising at least one non-transitorycomputer-readable medium having computer-readable program code portionsembodied therein, the computer-readable program code portionscomprising: an executable portion configured for authorizing an entityfor access to the resource recycling network, wherein upon authorizationan application tool is deployed on an entity server for the entityaccess to the resource recycling network; an executable portionconfigured for identifying a physical resource influx occurrence and theentity; an executable portion configured for triggering, based in theinflux, initiation of the application tool at the entity server; anexecutable portion configured for receiving characterization data aboutthe physical resource influx including an amount of influx andidentification of no deposit window available for the influx; anexecutable portion configured for transmitting, via the resourcerecycling network, a provisional resource access for immediate entitymanipulation; an executable portion configured for allowing, via theapplication tool, manipulation of the provisional resource access; andan executable portion configured for reconciling, upon deposition, thephysical resource influx with the provisional resource access.
 9. Thecomputer program product of claim 8, wherein identifying the physicalresource influx occurrence and the entity further comprises identifyingthe physical resource influx at a time when no deposit window isavailable for the entity.
 10. The computer program product of claim 8,wherein authorizing the entity for access to the resource recyclingnetwork further comprises accessing and integration of the applicationtool into point-of-transaction devices associated with the entity. 11.The computer program product of claim 8, wherein authorizing the entityfor access to the resource recycling network further comprises accessingfinancial institution accounts associated with the entity for deploymentof provisional resource.
 12. The computer program product of claim 8,wherein identifying the physical resource influx occurrence and theentity further comprises identifying a level of cash above a thresholdat a location associated with the entity, wherein the cash is receivedfrom a transaction.
 13. The computer program product of claim 8, whereinallowing, via the application tool, manipulation of the provisionalresource access further comprises allowing the entity to manipulate theprovisional resource access within an account as if the provisionalresource access was the physical resource influx.
 14. The computerprogram product of claim 8, wherein the provisional resource accesscomprises a credit placed in an account of the entity for an amount ofthe physical resource influx before the physical resource influx isdeposited within the account.
 15. A computer-implemented method for aresource recycling network, the method comprising: providing a computingsystem comprising a computer processing device and a non-transitorycomputer readable medium, where the computer readable medium comprisesconfigured computer program instruction code, such that when saidinstruction code is operated by said computer processing device, saidcomputer processing device performs the following operations:authorizing an entity for access to the resource recycling network,wherein upon authorization an application tool is deployed on an entityserver for the entity access to the resource recycling network;identifying a physical resource influx occurrence and the entity;triggering, based in the influx, initiation of the application tool atthe entity server; receiving characterization data about the physicalresource influx including an amount of influx and identification of nodeposit window available for the influx; transmitting, via the resourcerecycling network, a provisional resource access for immediate entitymanipulation; allowing, via the application tool, manipulation of theprovisional resource access; and reconciling, upon deposition, thephysical resource influx with the provisional resource access.
 16. Thecomputer-implemented method of claim 15, wherein identifying thephysical resource influx occurrence and the entity further comprisesidentifying the physical resource influx at a time when no depositwindow is available for the entity.
 17. The computer-implemented methodof claim 15, wherein authorizing the entity for access to the resourcerecycling network further comprises accessing and integration of theapplication tool into point-of-transaction devices associated with theentity.
 18. The computer-implemented method of claim 15, whereinauthorizing the entity for access to the resource recycling networkfurther comprises accessing financial institution accounts associatedwith the entity for deployment of provisional resource.
 19. Thecomputer-implemented method of claim 15, wherein identifying thephysical resource influx occurrence and the entity further comprisesidentifying a level of cash above a threshold at a location associatedwith the entity, wherein the cash is received from a transaction. 20.The computer-implemented method of claim 15, wherein the provisionalresource access comprises a credit placed in an account of the entityfor an amount of the physical resource influx before the physicalresource influx is deposited within the account.